USDA Vs. FHA your options comparison in Oak-Hill, Fayette County, WV
In 2026, the USDA loan limit set for Oak-Hill, in the county of Fayette, WV, is $285,000, while the FHA limit for a single-family home stands at $356,362.
The Lendersa® USDA loan calculator is a valuable tool to compare today's top USDA vs FHA interest rates and decide on the needed income, credit, reserves, and documents required to qualify. By using our advanced mortgage calculator, you can conduct a side-by-side analysis of USDA, FHA, Conforming, and VA options, assisting in determining the best choice in for your unique financial situation.
2026 Loan Limits and Down Payment Requirements in Oak-Hill, Fayette, WV
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Oak-Hill, WV
Lendersa® aims to quickly and effortlessly provide the best USDA or FHA loan. You can initiate the process through one of three options that connect you with compatible lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is specifically for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, making them highly accessible for rural homebuyers.
Fayette Federal Credit Union is a member owned organization whose mission is to meet the needs of all of our members by providing quality, personalized service while maintaining financial stability. We seek to provide ultimate member satisfaction in an ethical and financially sound manner.
Beckley Loan Company is a locally owned and operated company. They specialize in Personal Loans, Automobile Loans, Real Estate Loans, Debt Consolidation, Signature Loans, and Bill Consolidation. Beckley Loan Company serves Raleigh County and Surrounding Areas. Have been serving the area for over 80 years!
First Peoples Bank ATM is located in Mullens, West Virginia, and was founded in 1926. At this location, First Peoples Bank ATM employs approximately 20 people. This business is working in the following industry: Financial services. Annual sales for First Peoples Bank ATM are around USD 3,255,000.00.
CAMC Federal Credit Union has been open since 1977. It's the 15th largest credit union in West Virginia with assets totaling $81.04 Million and providing banking services to more than 5, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
Clay County Bank offers customers and businesses a variety of banking products with big bank features and technology, while maintaining a down-home country atmosphere with friendly people and outstanding customer service. We are home of the Golden Delicious Festival and the Elk River Trail State Park.
2200 Washington Street East, Charleston, WV, 25311
Lends in West Virginia
At The State Credit Union, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your accounts.
To protect your account, The State Credit Union monitors debit card transactions for potentially fraudulent activity through a Fraud Detection Program called EnFact Premium Testing.
West Virginia National Guard Federal Credit Union has been open since 1959. It's the 20th largest credit union in West Virginia with assets totaling $50.63 Million and providing banking services to more than 2, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to U.S. military members.
Cha-Tel Federal Credit Union was organized and received its Federal charter on November 18, 1963. Since that time we have grown to over 10 million in assets and over 2, 100 in membership.
When you become a credit union member, you become one of its owners. You help to elect the officers and you are eligible to serve the membership as a volunte
Pioneer Appalachia Federal Credit Union was established in 1940 by a group of "pioneering" educators. They all shared a dream that one day the teachers of Kanawha County Schools would have an alternative to traditional banking. They would create a place that "members" could join and be founded on the principle of "people helping people.
